Patents by Inventor John Zippe

John Zippe has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Macroeconomic-adjusted credit risk score systems and methods
    Patent number: 8024263
    Abstract: Various embodiments of the present invention provide systems and methods for automatically compensating an individual's credit risk score for macroeconomic data. In particular, various embodiments provide systems and methods to determine a macroeconomic risk score. In addition, various embodiments provide systems and methods to determine an adjusted credit risk score for an individual based on the individual's credit risk score and a macroeconomic risk score that serves as a scale adjuster to keep overall delinquency and/or loss rates in line as economic factors change.
    Type: Grant
    Filed: January 19, 2010
    Date of Patent: September 20, 2011
    Assignee: Equifax, Inc.
    Inventors: Lisa Zarikian, John Zippe, Natalia Micheloud
  • Macroeconomic-Adjusted Credit Risk Score Systems and Methods
    Publication number: 20100145847
    Abstract: Various embodiments of the present invention provide systems and methods for automatically compensating an individual's credit risk score for macroeconomic data. In particular, various embodiments provide systems and methods to determine a macroeconomic risk score. In addition, various embodiments provide systems and methods to determine an adjusted credit risk score for an individual based on the individual's credit risk score and a macroeconomic risk score that serves as a scale adjuster to keep overall delinquency and/or loss rates in line as economic factors change.
    Type: Application
    Filed: January 19, 2010
    Publication date: June 10, 2010
    Inventors: Lisa Zarikian, John Zippe, Natalia Micheloud
  • Macroeconomic-adjusted credit risk score systems and methods
    Patent number: 7653593
    Abstract: Various embodiments of the present invention provide systems and methods for automatically compensating an individual's credit risk score for macroeconomic data. In particular, various embodiments provide systems and methods to determine a macroeconomic risk score. In addition, various embodiments provide systems and methods to determine an adjusted credit risk score for an individual based on the individual's credit risk score and a macroeconomic risk score that serves as a scale adjuster to keep overall delinquency and/or loss rates in line as economic factors change.
    Type: Grant
    Filed: November 8, 2007
    Date of Patent: January 26, 2010
    Assignee: Equifax, Inc.
    Inventors: Lisa Zarikian, John Zippe, Natalia Micheloud
  • MACROECONOMIC-ADJUSTED CREDIT RISK SCORE SYSTEMS AND METHODS
    Publication number: 20090125439
    Abstract: Various embodiments of the present invention provide systems and methods for automatically compensating an individual's credit risk score for macroeconomic data. In particular, various embodiments provide systems and methods to determine a macroeconomic risk score. In addition, various embodiments provide systems and methods to determine an adjusted credit risk score for an individual based on the individual's credit risk score and a macroeconomic risk score that serves as a scale adjuster to keep overall delinquency and/or loss rates in line as economic factors change.
    Type: Application
    Filed: November 8, 2007
    Publication date: May 14, 2009
    Applicant: EQUIFAX INC.
    Inventors: Lisa Zarikian, John Zippe, Natalia Micheloud